e-INSPIRE

I believe in continuing education as a way of life; not just for myself, but also for our clients; the latter being implemented by communicating in English, rather than in Finance (with jargons). As an example of the first, I was among the first batch of CFP's (Certified Financial Planners) in India and went one better by being the first Certified Financial Transitionist (CeFT) from India. This program encourages deeper understanding of the way individuals make decisions (or not) when they are undergoing transitions -- something that one will experience multiple times in their lifetime.

Taking risks is something I did unknowingly by working for sunrise industries/ start-ups in the mid to late 1990's, before launching (International) Money Matters in 2001. Even before that, the MBA in Finance was from the now reputed S P Jain Institute (SPJIMR) -- not surprisingly, from the first batch. The passion to strive for excellence and dig deeper has helped me win awards, the most notable being the Global Financial Planner award winner for the Asia Region, 2018.

I do believe that every individual needs a trusted financial planner, and apart from human behaviour that fascinates me, it is intellectually stimulating to deal with cross-border planning issues for clients. And what better way than to connect with like-minded professionals from across the globe; whether it be financial planners, accountants (or CPA's), lawyers and estate planning experts.

I love being around people and believe that each one of us has the potential to perform a few notches higher than we can imagine. I try to use this with the team that works with me in International Money Matters where we have created a very strong learning environment and allowing team members to take on newer tasks, make mistakes and become better human beings.

Vishal Dhawan is a Certified Financial Planner and co- founder of Plan Ahead Wealth Advisors, a SEBI registered investment advisory firm that work closely with resident and NRI investors to help them achieve life goals by helping families “ Add Meaning to Finances. Add Time to Life” TM

Plan Ahead won the Best Investment Advisor for 2016, 2017,2018 and 2019 in the Outlook Money Awards, and was the second runner up in the Plan Plus Global Awards - Asia Region for 2017 and 2018.

Vishal is an economics graduate by education, and has also done a MBA in Finance, post which he worked across ICICI Bank and ABN AMRO Bank before cofounding Plan Ahead Wealth Advisors in 2003. Vishal’s 28 years of industrial experience results in him frequently writing columns, doing radio shows as well as appearing on television, across multiple general interest and business formats.

Vishal was also a founder director of ARIA – the Association of Registered Investment Advisors.

Vishal is passionate about life planning and was also the recipient of the Ken Gillespie Legacy Fund scholarship by Money Quotient, one of the leading life planning coaching firms, and has served in multiple positions at the Financial Planning Association ( FPA ), USA in the domain of cross border financial planning. He enjoys reading and travel, and loves reading newspapers from different parts of the world.

Sumit is the co-founder & CEO of Truemind Capital. Founded in 2014, Truemind is a fee-only SEBI Registered Private Wealth Management company which provides unbiased, professional and personalized investment advisory to HNIs/UHNIs, NRIs, wealthy families and global citizens. He is an IITian who with a piqued interest in investments became a Chartered Financial Analyst (USA) Charterholder. Across his extensive career spanning over 18 years, he excelled in the fields of Investment Research & Analysis and Wealth Management.

Sumit lives by transparency, accountability, and being fair to all. He loves to contribute to the activities that help humanity to progress spiritually and financially.

His company – Truemind Capital has been nominated as top 3 Registered Investment Adviser all over India by CNBC TV18 and UTI mutual fund.

He is regularly quoted and contributed articles in financial media. He also writes blogs and articles to spread financial awareness.

Cyril joined Amundi in 2006. He held key roles within Amundi’s structured products division in Paris, including Portfolio Manager, Head of Investment, and Senior Structurer.

He began his career as a Business Analyst on the trading desks of several investment banks in Paris, gaining insights into financial markets and operations.

In August 2022, he joined SBI Funds Management as Senior Vice President in the International Business department, contributing to the firm’s global growth strategy.

Thomas Obringer is Co-Head of OCIO Solutions Division which is part of Amundi Multi-Asset Solutions platform. He joined from Lyxor Asset Management in 2022 where he served as Deputy CIO.

Prior to this role, Thomas worked 19 years for Société Générale in various subsidiaries where he held the position of Head of Structured Asset Management and Head of Outsourced CIO business.
Working in the asset management industry for more than 21 years, Thomas has developed an in-depth knowledge of corporate pension funds and European insurers. Earlier in his career, he was a portfolio manager in the Multi-Asset team offering various investment solutions for institutional clients with a specific focus in building up strategies dedicated to insurers (e.g. reduction of capital costs under Solvency II), corporates (DB/DC plans) or pension funds (overlay).

Thomas Obringer is a graduate from Institut National des Sciences Appliquées in Toulouse (2002) and from ESSEC (2003).

Ed is Head of the Wealth Management Channel, Americas, team at S&P Dow Jones Indices (S&P DJI). He joined the firm in February 2014 after 8 years at Barclays Capital on the Structured Investment Solutions team. Ed’s team at S&P DJI is responsible for educating wealth managers on benefits and strategies for index-based investing through ETFs. His specific duties involve speaking roles at educational forums, webinars, and partner-sponsored events, as well as more focused delivery of S&P DJI research and content.

Ed has over 15 years of industry experience in the design and distribution of retail investment products with the full spectrum of client channels. He has most recently served in senior capital markets sales roles with responsibility for exchange-traded products (ETPs) and over-the-counter structured products. In his previous role, Ed’s team was recognized by multiple industry groups for its innovative role in making VIX® futures-linked strategies available to all investors.

Ed holds a bachelor’s degree from the University of Pennsylvania. He is a U.S. Army veteran of the NATO Stabilization Force in Bosnia-Herzegovina and a member
of the Veteran’s group, VALOR, at S&P Global.

Rohit joined SBI Funds Management Limited (SBIFM) in 2006 as a member of our research team tracking sectors such as Financials, Industrials, Energy, and Real Estate. He started managing and advising equity portfolios at SBIFM since March 2011 while being a key member of our research. Prior to SBIFM, he has been associated with Television Eighteen Group, JP Morgan and HDFC Standard Life Insurance.

Rohit is a Commerce graduate from Mumbai University and has completed his Post Graduate Diploma in Business Management (PGDBM) with specialization in Finance from Sydenham Institute of Management Studies. He is also a Charter holder of the CFA Institute, USA.

Satish Prabhu is the Vice President & Head of Content & Products at Franklin Templeton (FT) Asset Management (India) Pvt. Ltd since 10 years. Prior to FT, he
worked for 8 years with CRISIL Ltd. and for over 7 years with the Stock Holding Corporation of India Ltd.

He is an avid blogger and has written over 450 blogs on the basics of investing under the title “Monneey Ki Baat”. He is greatly inspired by the book ‘Psychology
of Money’ by Morgan Housel and feels that investors can create wealth not by investing more money but by improving their behaviour with money. His stories
give the message of patience, perseverance and resilience, the keys behavioral traits to be imbibed by investors. You can read all his blogs on his LinkedIn page.

He also speaks at various investor education forums, conducts knowledge sharing sessions, webinars, podcasts for investors, advisors, relationship managers,
corporates, among others.

By education, Satish is an Engineer and an MBA.

Mr. Ashish Gupta joined Axis AMC in March 2023 as the Chief Investment Officer for Axis Mutual Fund. He is responsible for developing, communicating and driving the investment strategy across all product segments of the fund house.

Ashish has a rich experience of 29 years across varied industries. His last stint was with Credit Suisse as the Head of India (Equity Research) where he actively tracked the Banking sector in 13 Asian economies. He has a strong understanding of global & regional macroeconomics and began his professional journey with IDBI.

Ashish was one of the earliest to identify the asset quality cycle in Indian Banks in 2011 and authored several marquee reports including the “House of Debt” series.

Additionally, he is an appointed member on IRDAI’s consultative committee on investments and SEBI working group on Derivatives. He was also an Independent Director for Small Industries Development Bank of India and also the Chair of India Philanthropy Committee of Credit Suisse.

Educational Qualification: Ashish holds a Masters degree in Management from Mumbai University and is also a qualified CFA.

Vetri Subramaniam is Chief Investment Officer at UTI Asset Management Company Ltd. He joined UTI AMC as Head of Equity in January 2017 and assumed the role of Chief Investment Officer from August 2021. Vetri has over 30 years of work experience. Prior to joining UTI, he was Chief Investment Officer at Invesco Asset Management Ltd. He was part of the start-up team at Invesco (then Religare Asset Management) in 2008 and helped establish the firm’s proprietary investment process and the team. Vetri started his career at Kotak Mahindra in 1992 after passing out from IIM Bangalore with a PG Diploma in Management.

His experience in equity markets & investment roles at various firms from 1994 includes Kotak Mahindra, SSKI & Motilal Oswal. He was also one of the founders of Sharekhan.com (now Sharekhan BNP Paribas) where he led the research & content team. He has also worked as an advisor to a UK Hedge fund Boyer Allan on its equity investments in India during 2003-2007.He is a frequent contributor to the media and regularly speaks on investing and markets at various forums - including the media & educational institutions.

A veteran in the Indian capital markets, boasting over 30 years of extensive experience. His career trajectory includes a significant stint in global equity research, spanning four years, which provided him with valuable insights into international markets and investment strategies.

Subbu's expertise lies in managing India-dedicated portfolios for both domestic and international clients, a role he has been dedicated to since June 2000 for India-based clients and since 2005 for international clients. His in-depth understanding of the Indian market landscape and its nuances has enabled him to navigate complexities and deliver value to investors across the globe.

His journey in the capital markets began in 1989, where he gained foundational experience in various areas, including broking, registrar, and stock trading. However, it was his passion for equity research and his commitment to prioritizing client interests that led him to join Quantum in 1996.

At Quantum, Subbu found alignment with the firm's ethos of ensuring investor interests are paramount. His role within the organization has been instrumental in realizing Quantum's vision of facilitating sensible risk-adjusted returns for both local and foreign investors, enabling them to participate in India's economic growth story.

Subbu's dedication to putting investor’s interests first, combined with his wealth of experience and expertise in equity research and portfolio management, makes him an invaluable asset to Quantum and its clients. His leadership as MD & Group Head drives the firm's commitment to delivering superior investment outcomes while upholding the highest standards of integrity and client service.

Ryan O. Murphy, Ph.D., is the Global Head of Behavioral Insights for Morningstar and a member of the behavioral insights group. Murphy’s research is interdisciplinary, bringing together methods from experimental economics, cognitive psychology, and mathematical modeling. The focus of his research is to better understand how people make decisions, especially about risk, money, and investing. His current work centers on measuring people’s preferences, goal-centric investment planning, and developing methodologies and decision support systems that improve decision quality.

Before joining Morningstar in 2016, he was the chair of decision theory and behavioral game theory at the Federal Institute of Technology in Zurich Switzerland, and a visiting professor at the University of Zurich economics department. Previously, he served as associate director of the Center for the Decision Sciences at Columbia University in New York. Murphy has published extensively regarding human decision-making and has won the Montgomery-Warschauer Award for his research in financial planning.

Dilshad is the Founder, Certified Financial Planner and Managing Director of Dilzer Consultants Private Limited: She is also a Life Underwriter Training Council Fellow LUTCF American College USA and IAIFM since June 2007. Dilzer Consultants Pvt Ltd is a SEBI Registered Investment Advisor (RIA)

Dilshad has completed the Foundation Course in Financial Life Planning from Kinder Institute of Life Planning" The organization provides Professional Investment Advisory and Financial Planning Services for a fee. Dilshad Billimoria has over 20+ years of experience in the financial advisory domain. With over 396 families, we have created financial peace and independence in the lives of many people and helped them realise their financial goals.

Starting off as a qualified Chartered Accountant and a tax expert, Harsh has been a serial entrepreneur and has successfully exited from his ventures. His venture-funded startups included Apnaloan.com and Apnapaisa.com.

In 1998 he was responsible for setting up ICICI’s retail lending business from scratch. He is also well known as a finance expert on popular TV channels like ET Now, CNBC, Zee business and writes a fortnightly column “Truth be Told” in the Business Standard a leading business daily in India. He has authored a book titled “The Complete Home Loan Guide”. He has conducted numerous workshops on taxation and personal finance.

He now runs Fee Only Investment Advisers LLP a SEBI registered Investment advisory firm active in the area of financial planning, cross border/remittance/tax advisory services.

Our founder Kavitha Menon is India’s first fee only Investment Advisor registered with SEBI. She started working as a wealth manager with a private bank , followed by a eight year stint with a private wealth management company. It was her desire to bring client centric advisory services to high networth families and hence decided to chart her own path as a fee based advisor in 2013.

She brings with her two decades of rich experience in wealth advisory and financial planning. Qualifications MMS Finance , CFA ( ICFAI), CFP©

Suresh Sadagopan is the Founder of Ladder7 Financial Advisories, a specialist Financial Planning/ advisory firm. Ladder7, founded by him in 2004. This has transformed into Ladder7 Wealth Planners Pvt. Ltd. ( a SEBI Registered Corporate RIA ) of which he is the Managing Director & Principal Officer.
Ladder7 has evolved into one of the most respected firms in financial planning & advisory space.

Suresh Sadagopan has done MMS, Certified Financial Planner ( CFPCM ), Chartered Trust & Estate Planner ( CTEPTM ), Registered Life Planner ( RLP ).
He was on the board of directors of FPSB India, the CFP certifying body in India, for the period between 2013 -15. He has been in several committees of FPSBI, over the years.

He founded The Financial Planners' Guild, India ( FPGI ) in 2010 and was the founding President for about four years. FPGI is an association where all members are RIAs ( fee-only advisors ). He is again The President of FPGI in 2021.

He is a founding board member of Association of Registered Investment Advisers ( ARIA ), an association created to represent RIAs & safeguard their interests as also to ensure high practice standards among them.

He conceptualised & conducted a RIA Summit held in January 2018, which was done under his chairmanship. He was on the advisory board of Network FP.
He has been addressed several gatherings and TV audiences on the subject of finances to coach them on personal finances/ financial planning and enable them to take the right decisions to achieve financial freedom.

A financial advisor with an entrepreneurial mindset, Mukul specializes in helping senior executives—MDs, CEOs, CTOs, CXOs, and other top-level leaders—grow their wealth exponentially. If you have 8 digit figure in savings, his structured, tax-eƯicient financial planning process can help you grow it 10x over the next decade. Mukul’s team at Circle Wealth Advisors don't just suggest investments; they design comprehensive financial strategies that include goal planning, risk management, asset allocation, and tax planning—tailored to an individual’s unique risk appetite and financial vision.

With two decades of experience working with high-net-worth families, Mukul understands the deep emotions and complexities that money often brings. His expertise lies in offering practical, real-world solutions to these challenges, ensuring that your wealth not only grows but is protected.

Whether your goal is financial freedom, securing your children’s education, or fulfilling your aspirations like world travel or philanthropy, Mukul develop personalized financial plans that align with your values. They don’t believe in cookie-cutter solutions—every family’s journey is unique, and hence they craft detailed, bespoke strategies to reflect that.

Circle Wealth is dedicated to providing fee-based, transparent, and unbiased advice. By handling a limited number of clients, they ensure you receive the personalized attention and care you deserve, helping you achieve long-term, sustainable wealth. Their aim is to free you from financial stress so you can focus on what truly matters.

In addition to advising, Mukul also deliver guest sessions on personal finance topics and mentor new entrants in the industry, helping them elevate their practice. Having oƯices in Mumbai and Pune, Circle Wealth Advisors serve clients across India and NRIs worldwide.

Abhishek is a CFA and CAIA charter holder with 12+ years of experience in Wealth Management. He is the principal officer at Prospurts' registered investment advisory division. At Prospurts, Abhishek heads the research and product, taking a key interest in creating behavioural alpha for the clients.

Before Prospurt, Abhishek worked in other Investment banking and Wealth management companies before co-founding Prospurts in 2015.

With over 20 years of work experience in the corporate world and as an entrepreneur, I have had considerable exposure in the finance, banking and insurance industries.

I am a Certified Financial Planner (CFP) and run a financial education-based company, FinEdge360, through which I teach subjects related to personal finance, wealth management and stock markets in educational institutions. I also conduct financial planning-related webinars and workshops for corporates and other forums. I have conducted training for over 1900 individuals, including around 175 corporate employees so far.

I am also a Registered Investment Advisor (RIA) with SEBI and provide advisory services to individuals and families, assisting them in their financial planning and wealth creation journey. More details on https://members.networkfp.com/member/monica-malkani

I started my career in 1995 in Mumbai with Skindia Finance, a leading brokerage house specializing in Global Depositary Receipts and thereafter moved to Deutsche Bank serving as the Relationship Manager for their Indian and overseas corporate clients.

In 2003, I joined Instanex Insurance Brokers and got the opportunity to work in all areas of the insurance business including sales, business development and claims servicing. After moving to Bangalore in 2004, I set up an office of Instanex here and expanded operations of the company. I was soon promoted as Managing Director and Principal Officer of the company and worked there till December 2013.

I have secured a Masters in Commerce from the University of Pune and an MBA in Finance from the Institute of Management Education, Pune.

Sridevi V, a seasoned financial planning expert with over 18 years of experience, is among the pioneers in Tamil Nadu's financial advisory space. She is one of the early SEBI-Registered Investment Advisers since the inception of the SEBI Investment Adviser Regulations in 2013, consistently delivering tailored financial strategies. Sridevi excels in guiding families and professionals to confidently plan for key life goals, including retirement, home buying, travel, and education funding, ensuring a secure and well-structured financial future.
Qualifications – BE, PGDBFS, CFPCM

Independent Individual Adviser with 3 decades of work experience in the Capital Markets. My focus is on providing the right products to meet clients’ needs, ensuring transparency in dealings, and strictly following ethics.

I worked with leading investment advisory firms but the corporate sales role never allowed passionate work toward Financial Planning and Wealth Management, so dedicated wealth management focus dawned upon me only once I set up my own investment advisory firm. After 17 years of corporate experience in 2009, I set up a wealth management company named BITS Portfolio Advisers Pvt Ltd with 3 of my associates.

Through my solo practice, I have been able to work closely and dedicatedly with my clients and ensured that they have achieved all their financial aspirations.
Additionally, I’m proud to have serviced independent and high-profiled women to streamline their finances. I wish to contribute to the financial wellbeing of as many individuals and their families as possible.

Prashant Mishra, a seasoned professional with over two decades of experience in banking and financial services, is the Founder and CEO of Agnam Advisors, a SEBI-registered investment advisory firm. Recognised among the 40 Under 40 Alternate Investment Professionals in India AIWMI in 2019.

An alumnus of University of Pune, where he earned his MBA in Finance, and BSSS College, Bhopal, where he completed his Bachelor of Commerce, Prashant combines a strong academic foundation with extensive practical expertise. His career spans roles in leading financial institutions, including Spark Family Office & Investment Advisors, Standard Chartered Bank, HSBC, and Kotak Securities, where he developed a deep understanding of investment strategy, relationship management, and client-centric advisory services.

At Agnam Advisors, Prashant champions a fee-only advisory model, ensuring unbiased, transparent, and client-first solutions. The firm specialises in holistic wealth management, offering services that encompass estate planning, tax strategies, philanthropic advisory, and investment management. Under his leadership, Agnam Advisors has become a trusted partner for affluent families and entrepreneurs seeking personalised financial solutions. 

Outside of his professional achievements, Prashant is an avid motorcyclist and an active member of Rotary International, reflecting his passion for exploration and community service.

Certified Financial Planner (CFP) which is awarded by Financial Planning and Standards Board, India. A fellow of Insurance Institute of India, (FIII) recognized by Govt. of India, IRDA and insurers in India and abroad and an MBA. Worked with Canara HSBC Life Insurance, and with Ameriprise. Worked on more than 1000 financial plans since 2011.

A fixed fee advisor, not associated with commissions from products or affiliations.

Creating financial plans for dreams and goals in life which can generally cover the following:

1. Overall analysis of current financial situation
2. Networth and cash flow analysis
3. Provision for Emergency funds
4. Tax Planning
5. Investment Planning
6. Retirement Planning
7. Insurance Planning
8. Estate Planning
9. Providing for education or wedding for children